SOPHALFIN
ActiveSOPHALFIN has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.47M and a net result of €35k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 54% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+7
Solvency73▼-6
Growth38=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €320k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.03 in 2024; short-term debt: 42.1% and cash: 0.1% of total assets), and 51.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.3%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
49 d early
2023
69 d early
2022
55 d early
2021
52 d early
2020
50 d early
2019
72 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€355k▼ 14.4%
2018 · €414k
2018: €414k
2018 → 2019
EBIT margin
49.6%▲ 42.3pp
2018 · 7.3%
2018: 7.3%
2018 → 2019
Net result
€35k▼ 90.4%
2024 · €362k
2018: €18k
2019: €118k
2020: €153k
2021: €481k
2022: €179k
2023: €326k
2024: €362k
2018 → 2025
Working capital
€-4.70M▼ 44.1%
2024 · €-3.26M
2018: €9.75M
2019: €4.28M
2020: €4.20M
2021: €1.79M
2022: €1.65M
2023: €-2.65M
2024: €-3.26M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.12M-€5.12M▲ 0.1%€5.22M▲ 2.0%€5.43M▲ 4.1%€5.47M▲ 0.6%
Operating result€-11k-€-1k▲ 86.2%€123k€15k▼ 88.2%€202k▲ 1,289%
Net result€481k-€179k▼ 62.8%€326k▲ 82.1%€362k▲ 10.9%€35k▼ 90.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,289% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.33M
Fixed assets
€11.26M▲ 12.7%
Current assets
€67k▼ 41.0%
Equity and liabilities €11.33M
Equity
€5.47M▲ 0.6%
Debt
€5.86M▲ 25.5%
The debt ratio rises from 46.2% to 51.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€215k▲
2024 · €23k
Cash flow
€47k▼
2024 · €370k
Solvency
48.3%▼
2024 · 53.8%
Current ratio
0.01▼
2024 · 0.03
Quick ratio
0.01▼
2024 · 0.03
Debt / equity
1.07▲
2024 · 0.86
ROE
0.6%▼
2024 · 6.7%
ROA
0.3%▼
2024 · 3.6%
Interest coverage
1.48▲
2024 · 0.14
Debt
€5.86M▲
2024 · €4.67M
Debt ≤ 1 year
€4.77M▲
2024 · €3.38M
Debt > 1 year
€1.08M▼
2024 · €1.29M
Income taxes
€24k▼
2024 · €91k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€10.10M€11.33M▲
Fixed assets21/28€9.99M€11.26M▲
Tangible fixed assets22/27€9.99M€11.26M▲
Land and buildings22€9.99M€11.26M▲
Current assets29/58€114k€67k▼
Amounts receivable within one year40/41-€53k
Trade receivables40-€53k
Cash at bank and in hand54/58€114k€14k▼
Equity and liabilities
Total equity and liabilities10/49€10.10M€11.33M▲
Equity10/15€5.43M€5.47M▲
Contributions10/11€525k€525k=
Capital10€525k€525k=
Issued capital100€525k€525k=
Reserves13€4.91M€4.94M▲
Non-distributable reserves130/1€53k€53k=
Legal reserve130€53k€53k=
Tax-exempt reserves132€48k€48k=
Distributable reserves133€4.81M€4.84M▲
Amounts payable17/49€4.67M€5.86M▲
Amounts payable after more than one year17€1.29M€1.08M▼
Financial debts170/4€1.29M€1.08M▼
Amounts payable within one year42/48€3.38M€4.77M▲
Current portion of amounts payable after more than one year42€208k€216k▲
Financial debts43-€200k
Credit institutions430/8-€200k
Trade debts44€41k€70k▲
Suppliers440/4€41k€70k▲
Taxes, remuneration and social security45€179k€129k▼
Taxes450/3€179k€129k▼
Other amounts payable47/48€2.95M€4.16M▲
Accrued charges and deferred income492/3-€15k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€83k€71k▼
Gross operating margin9900€106k€286k▲
Operating profit (loss)9901€15k€202k▲
Financial income75/76B€604k€2k▼
Recurring financial income75€604k€2k▼
Financial charges65/66B€166k€145k▼
Recurring financial charges65€166k€145k▼
Profit (loss) for the period before taxes9903€452k€59k▼
Income taxes67/77€91k€24k▼
Profit (loss) for the period9904€362k€35k▼
Profit (loss) for the period to be appropriated9905€362k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€362k€35k▼
Transfer to equity691/2€212k€35k▼
To other reserves6921€212k€35k▼
Profit to be distributed694/7€150k-
Directors or managers695€150k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €481k ▲215%
Net result €481k, the highest in the series.
31-12
Financial
Equity above €5MEq €5.12M ▲3.7%
4 profitable years in a row build equity to €5.12M.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 37.62
Current ratio from 13.76 to 37.62; short-term debt falls from €335k to €115k.
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1972
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Sint-Antoniuskaai 259000 GentGround area
3,805 m²
Building footprint
327 m²
Parcel 44021A0034/00T000, Flanders. Linked by address, not a title deed.
1 establishment unit
Sint-Antoniuskaai 25, 9000 Gent
since 19722.102.095.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A0034/00T000 | Flanders | 3,805 m² | 1 · 327 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
549300IKBNGEJS82R115
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Of 388 companies in sector 46630 we hold annual accounts for 276. 157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1971
Fiscal year end31-12
Activities, NACEBEL
46630Wholesale trade
47812Retail trade
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
46644Wholesale trade
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.